Did a good deal turn out to be an expensive car insurance policy? It's quite common and there are lots of Watertown residents who feel the same.
Astonishing but true according to a recent study, about 70% of customers kept their policy with the same company for well over three years, and nearly 40% of drivers have never compared rate quotes at all. Consumers in Watertown could save approximately $840 a year, but they don't understand how simple it is to go online and compare rates. Many car insurance companies vie to insure your vehicles, and it can be difficult to compare rates to find the lowest price on car insurance.
You need to take a look at other company's rates occasionally since rates tend to go up over time. Even if you got the best deal on car insurance six months ago a different company probably has better prices today. Ignore everything you know about car insurance because you're about to learn the fastest way to find lower rates on car insurance.
If you have coverage now or just want to save money, you can use this information to shop for the lowest rates and possibly find even better coverage. Buying the cheapest car insurance in Watertown is not that difficult as long as you know where to start. Comparison shoppers just need to know the best way to compare insurance rates using one simple form.
Car insurance companies in New York
The providers in the list below offer quotes in New York. To find the cheapest auto insurance in New York, we recommend you get prices from several of them to get the best price comparison.
|Make, Model, and Trim Level||Annual Policy Premium||6-month Policy Premium||Monthly Premium|
|Chevrolet Equinox LTZ 2WD||$890||$445||$74|
|Chevrolet Silverado LT Regular Cab 2WD||$826||$413||$69|
|Dodge Grand Caravan Hero||$922||$461||$77|
|Dodge Ram Quad Cab ST 4WD||$1,014||$507||$85|
|Ford Edge Limited 2WD||$616||$308||$51|
|Ford Escape XLS 4WD||$706||$353||$59|
|Ford F-150 XLT Super Cab 4WD||$806||$403||$67|
|Ford Focus SEL 4-Dr Sedan||$736||$368||$61|
|GMC Sierra SLE Crew Cab 2WD||$1,128||$564||$94|
|Honda Accord LX-S 2-Dr Coupe||$1,134||$567||$95|
|Honda CR-V EX-L 4WD||$816||$408||$68|
|Honda Civic EX 4-Dr Sedan||$964||$482||$80|
|Honda Odyssey EX-L||$848||$424||$71|
|Jeep Grand Cherokee Limited 2WD||$1,128||$564||$94|
|Nissan Altima 2.5 S 4-Dr Sedan||$930||$465||$78|
|Toyota Camry Hybrid||$1,204||$602||$100|
|Toyota Corolla XLE||$832||$416||$69|
|Toyota Tacoma X-Runner 2WD||$852||$426||$71|
|Get Your Own Custom Quote Go|
Data based on married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and New York minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, safe-driver, and multi-policy. Estimates do not factor in garaging location in Watertown which can alter insurance rates significantly.
How careless driving impacts car insurance rates
The information below demonstrates how citations and accident claims can increase Ford Fusion insurance premiums for different categories of driver ages. The costs are based on a married male driver, full physical damage coverage, $100 deductibles, and no discounts are applied.
Ford Fusion rates are for example purposes only. To get rates for your specific vehicle, click here.
Discounts can help lower premiums on auto insurance
Companies don't always publicize all their discounts in a way that's easy to find, so we break down both well-publicized in addition to some of the lesser obvious auto insurance savings.
- Onboard Data Collection - Drivers who elect to allow driving data collection to monitor driving patterns by using a telematic data system like In-Drive from State Farm and Progressive's Snapshot may get a rate reduction if they show good driving skills.
- Federal Government Employee - Simply working for the federal government can earn a discount up to 10% depending on your auto insurance provider.
- Air Bags and Passive Restraints - Vehicles equipped with air bags may get savings up to 30%.
- Lower Rates for Military - Being deployed with a military unit can result in better prices.
- Discount for Life Insurance - Select companies reward you with lower premium rates if you buy a life policy as well.
- Membership in Organizations - Belonging to specific professional or occupational memberships or organizations could earn you a nice discount on your next renewal.
- Low Miles Discount - Low annual miles can qualify you for lower premium rates on the low mileage vehicles.
- Paperless Signup - Certain companies provide a small discount shop Watertown auto insurance on your computer.
- Bundled Policy Discount - When you combine your auto and home insurance with the same company you could earn a discount of as much as 10 to 15 percent.
As a footnote on discounts, most credits do not apply to all coverage premiums. A few only apply to individual premiums such as physical damage coverage or medical payments. Despite the fact that it seems like all those discounts means the company will pay you, you're out of luck.
To choose providers that can offer you the previously mentioned discounts in New York, follow this link.
Do I just need basic coverages?
When it comes to buying the best insurance coverage, there really is not a single plan that fits everyone. Everyone's needs are different so your insurance needs to address that. These are some specific questions might point out whether or not you might need an agent's assistance.
- Does my liability insurance cover pulling a trailer or camper?
- Do I need special endorsements for business use of my vehicle?
- If I drive on a suspended license am I covered?
- Does low annual mileage earn a discount?
- Is extra glass coverage worth it?
- How much liability insurance is required?
- How much coverage applies to personal belongings?
- Is a new car covered when I drive it off the dealer lot?
If you're not sure about those questions but you think they might apply to your situation, you may need to chat with an agent. To find an agent in your area, simply complete this short form or click here for a list of insurance companies in your area. It's fast, free and may give you better protection.
When to have guidance from an agent
Many drivers prefer to sit down with an agent and doing that can be a smart decision Professional agents can point out coverage gaps and help you file claims. One of the best bonuses of comparing rates online is you may find lower prices and still choose a local agent.
Upon completion of this form (opens in new window), your coverage information is submitted to insurance agents in Watertown that provide free Watertown auto insurance quotes for your coverage. You never need to contact any insurance agencies because prices are sent to you instantly. If you want to get a price quote from one company in particular, feel free to find their quoting web page and give them your coverage information.
Picking an company is decision based upon more than just the premium amount. These are some valid questions you should ask.
- How many years have they been established?
- Do the coverages you're quoting properly cover your vehicle?
- Who is covered by the car insurance policy?
- Is the quote a firm price?
- What are their preferred companies if they are an independent agency?
- Is coverage determined by price?
- Does the company allow you to choose your own collision repair facility?
- Is vehicle damage repaired with OEM or aftermarket parts?
Is an exclusive or independent car insurance agent right for you?
If you need to find a reliable agent, you need to know there are two types of insurance agents to choose from. Watertown agents can either be exclusive agents or independent agents. Either one can sell affordable auto insurance policies, but we need to point out why they differ because it can factor into your selection of an agent.
Agents of this type work for only one company and some examples include Allstate, Farmers Insurance, State Farm, and AAA. They are unable to provide other company's prices so keep that in mind. Exclusive agencies are usually quite knowledgeable on their company's products which helps offset the inability to provide other markets.
Independent Auto Insurance Agents
Independent insurance agents are appointed with more than one company and that is an advantage because they can write policies with an assortment of companies and find the cheapest auto insurance rates. If they find a lower price, your agent can just switch to a different company which makes it simple for you. If you are comparing auto insurance prices, you need to check rates from at least one independent agent to get the most accurate price comparison.
Drivers who switch save $478 a year? Really?
New York consumers constantly see and hear ads that promise big savings by State Farm and Allstate. All the ads say the same thing that drivers will save a bundle after switching your coverage.
That's great but how can every company lower your premium rates? It's all in the words they use.
All companies are able to cherry pick for the type of driver that makes them money. For instance, this type of driver may need to be between 30 and 50, has no prior claims, and chooses high deductibles. Any new insured that fits those parameters will get very good Watertown rates and most likely will save money with a new company.
Consumers who fall outside this ideal profile will probably be forced to pay a higher premium with the end result being business going elsewhere. If you listen closely, the ads state "people who switch" but not "everyone who gets a quote" save that much when switching. This is how insurance companies can confidently advertise the way they do. Because of the profiling, you need to compare free Watertown auto insurance quotes often. Because without a comparison, you cannot know with any certainty which company will give you the biggest savings.
Learning about specific coverages of insurance can be of help when determining appropriate coverage for your vehicles. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. Shown next are typical coverage types available from insurance companies.
UM/UIM (Uninsured/Underinsured Motorist) coverage
This coverage provides protection from other drivers when they are uninsured or don't have enough coverage. Covered claims include injuries to you and your family and damage to your vehicle.
Because many people carry very low liability coverage limits (25/50/10), it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.
Liability insurance protects you from damage or injury you incur to other people or property by causing an accident. It protects you from claims by other people. Liability doesn't cover your injuries or vehicle damage.
Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 25/50/10 that means you have a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $10,000.
Liability coverage pays for claims like repair bills for other people's vehicles, medical expenses, pain and suffering and court costs. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy higher limits if possible. New York state law requires minimum liability limits of 25/50/10 but it's recommended drivers buy higher limits.
Auto collision coverage
Collision coverage will pay to fix damage to your vehicle resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.
Collision coverage pays for claims like driving through your garage door, sideswiping another vehicle and colliding with a tree. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Another option is to choose a higher deductible to bring the cost down.
Comprehensive auto coverage
Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive insurance covers claims like damage from flooding, vandalism, fire damage and rock chips in glass. The highest amount you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.
Medical payments and PIP coverage
Coverage for medical payments and/or PIP reimburse you for short-term medical expenses such as rehabilitation expenses, chiropractic care, dental work and pain medications. They can be utilized in addition to your health insurance plan or if there is no health insurance coverage. They cover both the driver and occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage
In the end, you can save money
Some insurance providers do not offer online price quotes and these regional carriers provide coverage only through local independent agents. Affordable auto insurance in Watertown can be sourced on the web in addition to many Watertown insurance agents, so you should be comparing quotes from both so you have a total pricing picture.
When searching for affordable Watertown auto insurance quotes, it's not a good idea to sacrifice coverage to reduce premiums. There have been many cases where an accident victim reduced full coverage only to regret at claim time that the savings was not a smart move. The goal is to find the BEST coverage for the lowest price, but don't skip important coverages to save money.
- How to Avoid Buying a Flooded Car (Insurance Information Institute)
- Who Has the Cheapest Auto Insurance for Low Mileage Drivers in New York? (FAQ)
- Who Has the Cheapest New York Auto Insurance for Government Employees? (FAQ)
- Who Has Affordable New York Auto Insurance Rates for Welfare Recipients? (FAQ)
- Who Has Affordable New York Car Insurance Rates for a Learners Permit? (FAQ)
- Determining Your Vehicle's Value and Repair Cost (Insurance Information Institute)
- Drunk Driving Statistics (Insurance Information Institute)
- Help Your Teen Be a Better Driver (State Farm)